When it comes to managing weight, many people look to Health Spending Accounts (HSA) for potential coverage options. If you’re considering using your HSA for a medically supervised weight loss program, there are a few key criteria to be aware of to ensure your expenses are eligible.
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Medically overseen weight loss programs are eligible for HSA reimbursement, but they must meet specific requirements. To qualify, a medical practitioner, such as a Doctor, Dietitian, or Naturopath, must actively monitor your progress throughout the program. It’s essential that each invoice includes the practitioner’s name and credentials to confirm their role in your treatment. This continuous oversight by a qualified professional is what enables these programs to be considered eligible.
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If your doctor prescribes weight loss medications as part of your treatment plan, these are eligible under an HSA as long as you have an official prescription receipt. However, it’s important to note that over-the-counter (OTC) medications or supplements marketed for weight loss purposes are not eligible for HSA claims, even if they’re part of your routine. Only prescribed medications meet the requirements set out by the HSA guidelines.
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Physical activity is often a core part of weight loss programs, but gym memberships, fitness programs, or home gym equipment are only eligible under an HSA if they are prescribed as medically necessary. For these to qualify, you must have a Letter of Medical Necessity from your overseeing practitioner. This letter must clearly outline the medical necessity of the fitness regimen in relation to your health condition. For more details, check out our article on the "Letter of Medical Necessity" to ensure the letter meets all required criteria.
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Personal training services provided by individuals without medical credentials (such as a Doctor, Dietitian, or Naturopath) are not eligible under an HSA. Only programs overseen by licensed medical practitioners can be considered for coverage.
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Any costs associated with food preparation, meal plans, or dietary expenses are not eligible under an HSA. This includes any fees for meal delivery services or specific diet-based foods, even if they are part of a weight loss program.
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In short, medically supervised weight loss can be eligible under an HSA, provided it meets certain guidelines:

If you’re considering weight loss options under your HSA, be sure to have the required documentation and practitioner support in place. This way, you’ll be well-prepared to submit eligible expenses and make the most of your health spending account benefits.